Sounds simple enough but most Americans live paycheck to paycheck, hand to mouth, and need to use their credit cards for auto repairs and medical emergencies. Many use credit cards to pay medical debt, which is the leading cause of bankruptcy. It’s easy to pay for groceries and pay it in full if you have ways and means. Travel? That’s a fantasy for most of us whose wages remain stagnant and haven’t seen a raise in years while the cost of housing, food, transportation and health care skyrockets. Let’s get real. When people get layoffs, they rely on their credit cards to make their car payments and other obligations. We don’t realize how many middle class people, or what’s left of them, are struggling to make ends meet and relying on credit cards to do so.